How to Apply for your Blue Cash Everyday Credit Card

The Blue Cash Everyday Card from American Express is a highly regarded cash back credit card in the United States, notable for providing generous rewards on everyday purchases with no annual fee. This card has attracted a strong following among consumers who wish to maximize their spending value without getting bogged down by complex bonus categories or high maintenance costs.

At its core, the Blue Cash Everyday Card offers 3% cash back in three essential spending categories — U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (each up to $6,000 in annual spending, then 1%). These straightforward categories remove the need to track rotating bonuses, allowing for consistent cash back accumulation on regular purchases. Supplemented by introductory offers, convenient digital integration, and competitive APR, it remains one of American Express’s flagship consumer cards designed for practical, value-driven cardholders.

APPLY NOW

Advantages of the Blue Cash Everyday Card

With a robust blend of cash back benefits and special credits, the Blue Cash Everyday Card delivers remarkable everyday value. The detailed list of benefits is:

• 3% Cash Back Categories: Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases, each up to $6,000 per year (then 1%). Cash back is awarded as Reward Dollars, redeemable as statement credits (and at Amazon.com checkout).
• No Annual Fee: There are no ongoing fees simply for having the card, maximizing your net cash back.
• Welcome Offer: Earn $200 back after spending $2,000 in purchases within the first 6 months of card membership (awarded as a statement credit).
• Introductory 0% APR: Get a 0% introductory APR on purchases and balance transfers for 15 months from account opening; after that, a variable APR ranges from 20.24% to 29.24%.
• $84 Disney Bundle Credit: Receive $7 in statement credits monthly when you spend $9.99 or more each month on eligible Disney Bundle subscriptions.
• $180 Home Chef Credit: Get up to $15 in statement credits monthly for eligible purchases with Home Chef meal kit services.
• Split & Send: Split purchases with Venmo or PayPal users conveniently, directly from the Amex app, keeping social spending fair and hassle-free.
• Pay It & Plan It: Manage your payments with flexible options such as immediate micropayments or installment plans on larger purchases.
• Amex Offers: Access to targeted discounts and promotions across a wide variety of merchants.
• Exclusive Event Access: Enjoy presale ticket access and unique experiences through Events with Amex™.
• Strong Security & Digital Controls: Benefit from American Express’s robust fraud protection, secure mobile app, and account management tools.

Requirements and Prerequisites

To apply for the Blue Cash Everyday Card, applicants generally need to meet the following criteria:

• Be at least 18 years old (or the age of majority in their state).
• Have a valid U.S. home address and Social Security number.
• Possess a good to excellent credit score.
• Demonstrate a stable income that supports credit extension evaluation.
• Agree to American Express’s terms and consent to a credit inquiry.

Note that self-employed applicants may need to provide additional documentation.

About American Express

Founded in 1850, American Express (Amex) is a powerhouse in the global financial sector. Originally a freight forwarding and mail company, Amex pivoted into financial services in the late 19th century, eventually launching its now-premier charge and credit card divisions.

For decades, American Express has championed robust customer service, earning accolades for its responsiveness, security, and member-centric benefits. Amex provides payment solutions, travel services, business loans, and a robust portfolio of credit cards catering to consumers and corporations alike. With a blend of legacy heritage and tech-driven innovation, Amex has upheld its reputation for reliability, prestige.

Who Is This Card For?

The Blue Cash Everyday Card targets practical spenders—primarily individuals and families who allocate significant monthly budgets to groceries, fuel, and online shopping. Its accessible approval criteria make it ideal for consumers with established credit histories seeking a high-earning cash back card with no annual fee.

Newcomers to credit, graduates, young professionals, and cost-conscious families will appreciate its straightforward rewards and lack of unnecessary fees. This card is also suitable for those desiring simplicity (no rotating categories or activations) and consistent, year-round value without the requirement for luxury travel spend or high yearly fees.

APPLY NOW

Step-by-Step Guide to Apply for the Card

1. Visit the Official Application Page: Go to the official website.
2. Start the Application: Click “Apply Now.”
3. Provide Your Information: Enter your personal details, including name, address, date of birth, Social Security number, employment information, and annual income.
4. Review Terms and Submit: Read and accept the card terms, including fees, interest rates, and privacy policies.
5. Instant Decision: Many applicants receive an instant decision. Some may require additional verification or paperwork.
6. Receive Your Card: Upon approval, your physical card will arrive by mail within several business days. Digital access is often available immediately.
7. Activate and Start Spending: Activate the card online or via the Amex App once it arrives.
   

Card’s Pros and Cons

Pros:

• 3% cash back in three permanent, high-spend categories, uncommon for a card with no annual fee.
• Additional credits for Disney Bundle and Home Chef subscriptions, creating ongoing value.
• 0% intro APR for 15 months on purchases and balance transfers.
• Simple, reliable American Express protections and premium customer support.
• Flexible payment options (Pay It & Plan It) and split features for budgeting.

Cons:

• Cash back is capped at $6,000 per year for each 3% category; then rates drop to 1%.
• Does not offer significant travel perks or point transfers (not ideal for international travelers).
• Requires good to excellent credit; approval not guaranteed for all applicants.
• Some merchants may not accept American Express, especially overseas.

How to Activate the Card?

After receiving your Blue Cash Everyday Card, you can activate it via the following methods:

• Log into your American Express online account, enter the card details, and follow on-screen prompts.
• Download the Amex App and use it to activate your card securely on your mobile device.
• Call the activation number on the card sticker and follow the automated prompts.

Activation is immediate, and you can start earning rewards and accessing digital features right away.

Fees and Charges

• Annual Fee: $0
• Purchase APR: 0% intro APR for 15 months, then a variable APR (20.24% to 29.24%)
• Balance Transfer APR: 0% intro APR for 15 months, then variable APR applies (20.24% to 29.24%)
• Balance Transfer Fee: Either $5 or 3% of the amount (whichever is greater)
• Cash Advance Fee: Either $10 or 5% of amount (whichever is greater)
• Penalty Fees: Late/returned payment up to $40
• Foreign Transaction Fee: 2.7% of each transaction after conversion to U.S. dollars

Always review the full rates and fees on the application page before applying: Official Rates and Fees

Customer Service

APPLY NOW

American Express consistently ranks among the top in customer service in the credit card industry. Cardholders can access support 24/7 via:

• Phone: 1-800-528-4800
• Online Customer Service Portal
• Live chat via the American Express website/app